Marlin - very old Egg credit card now BC, 2yrs to default drop off - starting threat-o-grams

[Chalkitup]

I got the same today and dated early August!!!!

[Shinysprite]

I got the same today and dated early August!!!!

 

Yep, HP Mum and Chalkitup - statement dated 9/8/13. They can't be that bothered if it takes them that long to actually send them out!

[trout]

Why is it important to send a failure to comply letter ?

 

Does a recon not anymore legally remedy a cca request ?

 

thanks,

 

trout

[dx100uk]

if you allegedly signed an agreement pre 2007, then a recon wont in many cases cut the mustard in court

esp if it does not contain ALL required info

 

as for the failure to comply to a cca letter.

 

it firmly nails your colours to your flagpole

it also enables you to cease any payments toward the debt.

 

dx

[fletch70]

Hi

A recon, if fully complaint i.e contains all the prescribed terms and is legible will comply with a S77-79 request so long as all the other bits and peices that should arrive at the same time . T&C's at inception, current/default along with a signed statement of account. However if you can make a positive claim in court that you never signed the agreement and the claimant can not show they have robust measures in place to make sure that could not happen they could not enforce the claim. On the downside, if you make that claim and they show you to be lieing then you could end up with a perjury charge .

 

Of course should they make a claim they will no doubt say theat you signed an agreement so under CPR you ask them for that signed agreement. If they only sent a recon they will no doubt not be able to provide it.

[HP Mum]

Have you just received a "here is your agreement letter" from Marlin ??